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Get Cheap Car Insurance in Oakland, TX
We monitor insurance prices, helping the average driver in Oakland save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Oakland
The chart below shows the cheapest car insurance company in Oakland for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Oakland Insurer | Monthly Cost |
|---|---|
| Clearcover | $41 |
| Mile Auto | $54 |
| Progressive | $56 |
| State Farm | $60 |
Savings for Every Kind of Oakland Driver
Based on our extensive insurance data, we know the average Oakland driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $329 per year by choosing the right vehicle insurance company. Some Oakland residents are paying out over $1,598 extra every year for auto insurance in Oakland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oakland, TX Savings / Yr. |
|---|---|
$329 |
|
$752 |
|
$663 |
|
$760 |
|
$1,156 |
|
$437 |
|
$477 |
Oakland Car Insurance vs. Texas
People living in Oakland pay an average of 18.24% less than the typical driver in the state. The average driver in Oakland can expect to pay about $952 per year, or $1,598 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Oakland for most people.
Car Insurance Prices by Oakland Neighborhood
Insurance Prices
Where is insurance cheapest within Oakland?
The map shows insurance prices in and around Oakland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $29 per year within the city boundaries, with insurance premiums ranging from a high of $1,614 to a low of $1,585. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the East parts of Oakland.Pick the Best Car Insurance Company for You in Oakland
The best car insurance provider for most drivers in Oakland
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $329 over the average Oakland car insurance company.
The best car insurance provider for Oakland drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $752 over the competition.
The best car insurance company for Oakland drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $663 better than other car insurance companies.
The best auto insurance for Oakland drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $760 less each year.
The least expensive car insurance company for new and young drivers in Oakland
In Oakland, State Farm costs young drivers $1,156 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oakland
State Farm gave the largest car insurance discounts to married couples, averaging $437 saved each year compared to an average Oakland couple's premiums.
The cheapest car insurance in Oakland for drivers with bad credit
The best Oakland car insurance company for customer service
Recent price drops
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The cheapest large national provider in Oakland
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oakland driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Oakland, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Oakland
What Influences the Cost of Car Insurance in Oakland?
On average, car insurance in Oakland is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Oakland is 31 minutes, which is about the national average for a driver in the state.
- Texas state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Oakland are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Oakland is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Oakland is $79 per month for minimum coverage and $133 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Rusk: Insurance costs 3.69% more
- Dialville: Insurance costs 0.19% less
- Maydelle: Insurance costs 2.50% more
- Gallatin: Insurance costs 0.19% more
- Weeping Mary: Insurance costs 0.50% less
- Circle: Insurance costs 1.25% more
- Alto: Insurance costs 0.94% more
- Reklaw: Insurance costs 0.31% more
- Redlawn: Insurance costs 1.50% less
- Linwood: Insurance costs 3.07% more
Cities with Similar Populations
- Athens: Insurance costs 11.14% less
- Tower Lakes: Insurance costs 11.01% less
- Tunnel City: Insurance costs 30.85% less
- Turkey Creek: Insurance costs 88.24% more
- Utica: Insurance costs 13.02% less
- Vilano Beach: Insurance costs 48.62% more
- East Brady: Insurance costs 11.14% less
- Doe Run: Insurance costs 14.27% more
- Diamond Lake: Insurance costs 13.70% less
- Darmstadt: Insurance costs 26.72% less